Thinking Of Selling Up Next Year 2010?

Butterfliesarepretty

I have been in my present mid terraced since 2002 and used to love it. I live alone apart from my 11 yr old daughter staying every other weekend.
It has a yard and front garden, two bedrooms (but to get to bathroom you have to walk through my daughters bedroom - very narrow) no landing from stairs, kitchen and insulated loft space. I paid £30,000 for it in 2002 but last year I had it rewired totally and reskimmed with new plaster in three rooms and a new fireplace and new carpets and kitchen floor.
A neighbour moved in to my right two years ago and he is very noisy with his partner (who does not live there) and his teenage three children who stay occasionally have no respect for me, chucking litter in my yard and running into my yard which resulted in me having a few words with him about his respect for other neighbours. Anyhow as my daughter is also growing up she needs a bedroom separate from the bathroom. My other neighbours are lovely and it was quiet before he came along.
I just do not feel relaxed here these days.:(

I have £42,000 left on my mortgage and just want something with a garden back or front small or large, double glazing, good wiring, good kitchen and bathroom, so will be looking at houses first online before putting mine up. I will be leaving my ikea standalone kitchen units etc, carpets, lino, light fittings.

Are terraces more in demand for first time buyers?
I only earn £14.5k a year so will have to try and save as much as I can!

Fire_Fox

Why do you have £42K on your mortgage if you only paid £30K, did you MEW? Have you looked at land registry sold prices for your street and area to see what you might expect? Do you have any other debts as these need paying off first? Do you have money set aside for solicitors fees, estate agents fees and removals? Have you considered you sleeping in the second bedroom and your daughter occupying the main bedroom? Have you considered getting Environmental Health involved in the noise issue?

sjcollett

I guess you will have to look around the local area and see what the asking price is for your ideal house - what you could realistically get for yours and work out how you can bridge the difference (i,.e in terms of getting a bigger mortgage). Perhaps, moving a bit futher out/ different/ cheaper location may be an option?

Alternatively - you could rent your house out and go and rent your ideal house?

Butterfliesarepretty

When I first moved in 2002 I was doing really well. I had no furniture for the house, there was a retention on the house because it had damp in the kitchen. I got that done a year later and then the £1,500 was put back on. I was working in mcr then and travelling 16 miles each way to work. the mortgage rates then went up and I was bringing in £1k a month, but after lowest bills and no luxuries and money to pay for my daughter I was struggling. It went up to £46k after improving the house and paying £2k of debt off credit which I had never had before.
I had always been good with money, but costs kept rising and my wage didn't, and yes I looked for other jobs.
april 2008 I was offere vol redundancy and used the money to sensibly to rewire my house, make overpayments on my mortgage of £50 extra a month (which I am still managing to pay), and also get the rooms replastered and as I did not have much family help with the house I had to to get tradesmen in to do the difficult jobs. Everything else, woodwork, sanding, painting I did myself. I am a pretty handy person and will try anything. The money also paid my bills each month till I succeeded in getting a job where I now work in the next town 4 miles away.
Its now £42k when I got my balance from nationwide and is at variable rate of 2.5% after being fixed for two years at 6%.

So yes I am looking at cheaper alternatives. I have tried environmental health too, they wrote them a letter a year ago and it did quieten down, but I need to be happy where I am. Something has to change.

the bedroom my daughter is in only fits a single bed and one set of drawers. there is no room for anything else. its so small. yes i have a debt of £1500. but I have around £200 to live on for a month after all bills paid. I am very careful but I still have things that happen and have to be fixed, such as car problems in winter, unforseen things.

I have moved house many many times, while married, and while divorced. Estate agents fees and solicitors fees always come out of the profit made when selling the house. Removals I do myself with van hire.:o